Banks and CUs: https://www.doctorofcredit.com/high-interest-savings-to-get/amp/ https://www.reddit.com/r/personalfinance/wiki/banks_and_credit_unions

I do everything at one Online Bank. I don't handle cash very often though, so it works for me. If I ever need cash, I just got to any ATM.

Then have a brokerage for retirement savings and non-emergency fund savings.

First off, how is the scholarship not enough sometimes?

You could get a job somewhere part-time to help cover those expenses. I would do this before anything else.

I advise against extending more debt for this and definitely do not pull from retirement if you can absolutely help it.

What’s the interest on the line of credit? You’d need to weigh the withdraw penalty/tax against the interest rate.

Is your retirement IRA or 401k?

Could you work a bit on the side (tutoring, dog walking, babysitting) too close the gap a bit?

>You don't change your number if your phone gets hacked.

This

You don't change your ISP if your pc gets hacked.

If your phone gets "hacked" (IE a virus etc) the phone gets wiped.

It's an important distinction because one is not clicking dodgy links and cyber health, the other is making sure you think before you hand over bank details. Being scammed isn't "shes stupid" it's "she was caught off guard, or without knowledge to defend against the scam"

The change of number is usually because when one person falls victim to a scam the number is passed around because they're more likely to get scammed again without the extra knowledge.

Yeah, OP, are you actually turning a profit compared to what you bought the clothes for?

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• Student Loans
• Student Debt Relief Megathread
• "How to handle $"
• Debt

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If you had $3M in cash to invest right now, would you use it to buy this stock?

You should probably sell off most or all of it and diversify.

Probably not. I'm not a gambler and I don't see a gigantic bump coming in the company stock through a big reveal or something like that.

> But other than that no major life changes.

So other than those major life changes, you didn't have any major life changes?

Your federal witholding changed because your filing status and income changed. Simple as that

What kind of used clothes are you selling where your sales price of the used goods exceeds what you paid for them originally?

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Don't worry about it. Do a thorough job with 2022 taxes and declare everything. But I'm not even sure I'd bother updating prior years for that small amount. Up to you, and certainly there's no rush here.

Sounds like she got scammed not hacked. Especially if she changed her number. You don't change your number if your phone gets hacked.

You can only amend 3 years back. Do that. Then you can stop worrying. Expenses net out with income, so you will pay taxes on less than your amount of income, if you had expenses (even just what you paid for the items). Recreate records as needed before you lose that data

Really appreciate all of the comments, thank you all!

She went to ATT today to change numbers. She was able to text through her phone on Friday but since then whenever any of us have been calling it goes to a random number.

I hope you have better luck at this than me. My current employer's plan does not allow "reverse rollovers."

I am actually thinking about finding a federal government job just because I know for certain that the TSP allows reverse rollovers.

Phones don’t get hacked. That only happens in movies. There’s more to the story here.

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CD's usually out performs HYSA and they are fixed rated interest for the length of the term. HYSA are variable which can go up and down. Usually they go down over time. Also you can ladder CD's and keep climbing. So you have some flexibility when the shorter terms matures.

Plus if you have a spending problem a CD can help prevent you from withdrawing money as you will be penalized for it.

HYSA are good for emergencies dont get me wrong, but for parking money for near future purchases ranging from Christmas gifts up to a downpayment for a house, a CD is superior.

Assume you have $50k vested, ask yourself this question:

If you had $50k in savings right now, would you buy $50k worth of company stock?

Right now you can get 5.08% of a 6-month Treasury bill, and there is no state income tax on that. That's what I would recommend.

The Ohio plan has many Vanguard funds as investment options. Either as the "Vanguard Ohio Target Enrollment Portfolios", or you can just straight up invest in Vanguard US, international, and bond market index funds.

There's really no advantage for you to look elsewhere.

Refund went down: https://reddit.com/r/personalfinance/comments/111j2s2/why_did_my_tax_return_go_down_omnibus_edition/